Learn about our Terms & Conditions at

Agreement to Terms

These Terms and Conditions form a legally binding agreement between you and Borderless Banking (Borderless Banking, “we”, “us”, or “our”) regarding your use of our website and services. By accessing or using our Site, you confirm that you understand, accept, and agree to comply with these Terms. If you do not agree, you must not use the Site or any of our services.

We may update these Terms at any time, and the latest revision date will always be displayed above. Continued use of the Site after updates means you accept the changes. It is your responsibility to comply with local laws and regulations when using our services.

Intellectual Property Rights

All content on the Site—including text, graphics, code, designs, software, and trademarks—is owned by or licensed to Borderless Banking and is protected under intellectual property laws. You may only use the Site for personal, non-commercial purposes. Copying, selling, or exploiting any part of our Site without written permission is strictly prohibited.

User Responsibilities

By using the Site, you confirm that you are legally able to accept these Terms, will not use the Site for unlawful purposes, will not use bots or automation to access it, and will comply with all applicable laws and regulations.

Prohibited Activities

You agree not to misuse the Site. Prohibited activities include but are not limited to: extracting or collecting data without permission, creating fake accounts, hacking or bypassing security, harassing other users, reverse-engineering, uploading harmful code, misusing support services, or violating intellectual property rights.

Third-Party Content

Our Site may include links to third-party sites or services. We are not responsible for their content, policies, or accuracy. Any purchases or interactions you have with third parties are solely between you and them, and we are not liable for any related issues.

Site Management

We reserve the right to monitor Site activity, restrict or remove access, enforce compliance with these Terms, and maintain Site security and functionality at our discretion.

Privacy Policy

Your use of the Site is also subject to our Privacy Policy. If you access the Site outside the United States, you agree that your information may be processed where Borderless Banking operates, including the U.S.

Term and Termination

These Terms remain effective while you use the Site. We may suspend or terminate your access at any time if you violate these Terms or for any other reason.

Modifications & Interruptions

We may modify or discontinue any part of the Site at any time without notice. We are not responsible for any disruptions, outages, or data loss.

Fees

All card transactions include a $0.50 USD fee. For non-USD transactions, a 2.75% foreign exchange fee applies.

Disclaimer

The Site is provided “as is” without warranties of any kind. We are not responsible for errors, data loss, unauthorized access, malware, or issues caused by third parties.

Limitations of Liability

To the fullest extent allowed by law, Borderless Bankings is not liable for indirect, incidental, or consequential damages, including lost profits or data.

Indemnification

You agree to indemnify Borderless Banking and its partners against claims arising from your use of the Site, your breach of these Terms, or infringement of others’ rights.

Fintech and Card Services Disclosures

Borderless Banking partners with licensed financial institutions to provide card services. We are not a bank and do not directly hold funds. Card issuance, approval, and compliance depend on the issuing institution. FDIC insurance may apply only if the issuing bank is FDIC-insured. Users must comply with KYC and AML regulations.

Cards may have spending limits, regional restrictions, and service interruptions due to maintenance or regulatory issues. We do not guarantee uninterrupted access. Current program terms may include specific card services such as Bluebanc Cards.

Prepaid Card Delivery, Activation & Expiration

Prepaid card activation links expire after two months. Prepaid cards expire six months after last use unless stated otherwise. It is your responsibility to activate and use the card before expiration. Active cards remain valid until the printed expiry date. After that date, any remaining balance may be forfeited under issuing bank policies.